40 Memory Ln, La Honda, CA 94020 Property Records

San Mateo County property record for 40 Memory Ln, La Honda, CA 94020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 770 sqft · built 1924
Lot Size	0.219 acres (9,520 sqft)
Owner	Individual Name on File
Last Sale	$735,000 (May 2019)
Tax Bill	$9,049 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-170-190`

Property Details

APN / Parcel Number

Primary APN	`083-170-190`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	770 sqft Living Area
Gross Area	1,540 sqft
1st Floor Area	770 sqft
Basement Area	770 sqft
Family Room	Family Room

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Lot Area	9,520 sqft (0.219 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	40 MEMORY LN
City	LA HONDA
State	CA
Zip	94020-9769
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10008
Legal Description	PARCEL 8 ASSESSORS MAP NO 3 53
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	3
Census Block	3012
Census Tract	613800

Owner

40 Memory Ln is owned and occupied by an individual who bought it in May 2019.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	Individual Name on File
Mailing Address	40 MEMORY LN, LA HONDA, CA 94020-9769
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
May 10, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on File
Deed Sale	May 10, 2019 · Amount on File
Prior Sale	Apr 19, 1999 · Amount on File
Deed Document Number	201934885
Prior Transfer Date	Aug 15, 2013
Prior Transfer Doc	0000134873
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 MEMORY LN, LA HONDA, CA 94020
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MEMORY LN, LA HONDA, CA 94020

Mortgage

Document Number	0000006973
Date	Jan 25, 2022
Instrument	2022-006973

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 MEMORY LN, LA HONDA, CA 94020
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MEMORY LN, LA HONDA, CA 94020

Mortgage

Document Number	0000078223
Date	Aug 7, 2020
Instrument	2020-078223

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 10, 2019
Property Address	40 MEMORY LN, LA HONDA, CA 94020
Document Number	0000034885
Instrument Date	Apr 24, 2019
Instrument	2019-034885
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MEMORY LN, LA HONDA, CA 94020

Mortgage

Document Number	0000034886
Date	May 10, 2019
Instrument	2019-034886

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 40 Memory Ln was $9,049 with a homeowner's exemption.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	La Honda-Pescadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$819,232 (+2%) Land $455,129 Building $364,103
2025	$9,049.00 Homeowner's exemption	$803,169 Land $446,205 Building $356,964
2023	$8,347.00 (+1.56%) Homeowner's exemption	$771,982 Land $428,879 Building $343,103	$766,350
2022	$8,219.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Memory Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	18 (1982–2012)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Dec 2012 · river or lake flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 7 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Feb 1995 · 2 claims Severe Storms & Flooding, Feb 1986 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Memory Ln is moderate, ranking above 55% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CALIFORNIA WATER SERVICE - BEAR GULCH private · serves 60,382 people · EPA ID CA4110006
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks.

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